Rowan County property record for 180 Valley Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,300 sqft · built 1969 |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Jun 2021) |
| Tax Bill | $1,335 (2025) |
| Deeds & Mortgages | Nov 2024 Line of Credit Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 029-30 00 023.00 |
| Primary APN | 029-30 00 023.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,300 sqft Living Area |
| Year Built | Built 1969 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating System | Oil |
| Heating Fuel | Electric |
| Account Number | 5258 |
|---|---|
| Street Address | 180 VALLEY RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-9131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE BARN/GARAGE & LOT #12 PINE HILLS |
| Legal Subdivision | PINE HILLS |
| Legal Lot Number | 12 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 950100 |
Source: Rowan County records, as of November 17, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 180 VALLEY RD, MOREHEAD, KY 40351-9131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 7, 2024 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Jun 18, 2021 | Deed, Transfer · Conventional Mortgage FIRST OPTION MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 18, 2021 · Amount on Record |
| Deed Sale | Jun 18, 2021 · Amount on Record |
| Prior Sale | Aug 29, 2012 · Amount on Record |
| Deed Document Number | 2010279 |
| Deed Book / Page | D280 / 230 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 180 VALLEY RD, MOREHEAD, KY 40351-9131 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Name | Verified Name |
|---|
| Document Number | 00A475/485 |
|---|---|
| Date | Nov 7, 2024 |
| Book Page | A475/485 |
| Instrument | 2033122 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jun 18, 2021 |
| Property Address | 180 VALLEY RD, MOREHEAD, KY 40351-9131 |
| Document Number | 00D280/230 |
| Book / Page | D280 / 230 |
| Instrument Date | Jun 2, 2021 |
| Instrument | 2010279 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21 DEWEY DR, MOREHEAD, KY 40351-4501 |
| Name | Verified Name |
|---|---|
| Address | 180 VALLEY RD, MOREHEAD, KY 40351-9131 |
| Document Number | 0002010280 |
|---|---|
| Date | Jun 18, 2021 |
| Instrument | 2010280 |
| Name | FIRST OPTION MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,335.00 (-1.69%) | $159,500 (-) Land $12,500 Building $147,000 | $159,500 (-) Land $12,500 Building $147,000 |
| 2023 | $1,358.00 | $159,500 Land $12,500 Building $147,000 | $159,500 Land $12,500 Building $147,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2026) |
| Most Recent Claim | May 2026 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROWAN WATER INC private · serves 18,765 people · EPA ID KY1030375 |
|---|---|
| Water Source | Purchased surface water from MOREHEAD UTILITY PLANT BOARD |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2023 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures